It is suitable for those clients who need to quickly access a minimum set of operations. This card is not suitable for using the possibilities of international payment services.

Important: To date, issuance of cards Momentum R terminated. Instead of this series, Sberbank issues unnamed Momentum cards with similar characteristics.

Features of non-named Momentum cards

Today, Sberbank releases a whole series that differ in payment systems (Visa, Mastercard, MIR), bonus programs (,), limits and other characteristics. The main advantage of the Momentum series cards is free issuance and maintenance, quick processing and a minimum set of documents. Most often, an unnamed card is issued by new clients of a banking institution and those who wish to open an urgent account. Today, Sberbank provides the opportunity to choose one of two instant issuance cards - or. Plastic cards are issued on the same terms and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.

For a plastic card of the Momentum series, bonus offers from Sberbank are also provided. So cardholders of this series can receive points for each non-cash card payment. The number of points depends on, and can reach 20% of the amount spent. The accumulated points can be used to pay for the following services:

• Air tickets (according to the program);
• Activities (According to the program);

The procedure for issuing unnamed Momentum cards

To get an instant issuance card, you must:

• visit a bank branch and, turning to an employee, provide a passport;
• sign with a credit institution in order to combine your accounts into one system and be able to control them using Internet banking.

Distinctive features of the instant card type

If we talk about the limitations of instant issuance cards, then for many of us they are significant. The Sberbank Momentum card is almost never used outside the state; it is not always possible to pay for an online purchase with its help. Many companies are reluctant to accept entry-level cards, as they do not guarantee secure payments.

Nevertheless, despite such obvious shortcomings, Momentum series cards are in demand because they have a standard set of features:

• allow you to cash out funds from a card account using ATMs or cash desks of Sberbank branches;
• pay in a retail network;
• pay for online purchases (if possible on the company's website);
• transfer money to any accounts using the institution's cash desks, ATMs or online self-service services (, Personal Account);
• control and manage combined card accounts after connecting or registering in .

Limits and commissions on the Momentum card

The Momentum instant issue card from Sberbank has restrictions on cash withdrawals. Within 30 days, the client can cash out an amount not exceeding 100,000 rubles, and within 1 day - no more than 50,000 rubles without charging a commission.

• Sberbank, in which the card account was opened: no commission;
• another territorial bank: 0.75% of the amount;

• within the daily limit at a branch of Sberbank: no commission;
• from exceeding the daily limit in a branch of Sberbank: 0.5% of the amount exceeding the limit;
• another territorial bank within the daily limit: 0.75% of the amount;
• another territorial bank with excess of the daily limit: 0.75% of the amount exceeding the limit;
• subsidiary banks: 0.75% of the amount;
• other banks: 1% of the amount, but not less than 150 rubles.

Ways to obtain information about an account on an unnamed card

1. through ATMs of Sberbank or any other financial institution;
2. in your personal account. After authorization in the self-service system, you should select the desired card and view all account information;
3. using Mobile Banking. You should send a message with the text BALANCE or REMAINDER(English spelling of words or transcription is allowed) or numbers 01;
4. calling to . In this case, you can use the help of the automatic information service by pressing the number 2 or contact the hotline consultant using the number 0;
5. visit the branch and find out the balance by the card account number from the employee.

Momentum Visa and Mastercard instant issuance cards are the right choice when you need to quickly get a free-of-charge card and use it to make purchases in online stores, as well as offline payment for services and purchases. It has a number of advantages, but there are limitations to keep in mind. Therefore, before applying to the bank for issuing this card, read this article to learn more about the terms of service, opportunities, and features of this card.

Advantages and disadvantages of Momentum Visa and Mastercard cards

Momentum cards have very serious advantages that attract the attention of potential bank customers:

• instant issuance, you will need no more than 10 minutes to open this card. Unfortunately, the bank does not provide for the possibility of issuing Visa and Mastercard momentum cards online, so you will have to come to the nearest branch of the bank in person.
• You can get not only a debit card, but also a Momentum Credit card to use both your own and borrowed funds.
• the card is issued absolutely free of charge, you also do not need to pay for additional services, such as those in demand, such as access to your personal account and account management via the Internet. You can also connect a mobile bank to the card in order to receive notifications about the movement on the account on your mobile phone.
• Visa and Mastercard Momentum cards are securely protected by an electronic chip, have a high level of security, and are suitable for long-term storage of funds.
• you can open a card in the currency you need, cards are issued both in rubles and in popular foreign currencies.

A number of card parameters are the same as Standard status cards. It can also be used for three years, after which it is necessary to issue a reissue. The card allows you to make electronic payments, withdraw funds from an ATM, replenish your account by transfer or at a bank. However, it is worth remembering that these are non-named cards, which means they have a number of restrictions. First of all, you can use Momentum Visa and Mastercard cards only on the territory of the Russian Federation, such cards are not valid abroad. In addition, it is impossible to issue a salary on this card. In addition, a number of sites in the interior, especially foreign ones, may refuse to accept payment with this card. The card has strict cash withdrawal limits, which may also not always be convenient. As you can see, this card has even more restrictions than Maestro cards, therefore, when opening it, you must accurately imagine for what purposes you plan to use it.

Differences between Momentum Visa and Mastercard

If you decide to open an instant issuance card, then, first of all, you need to decide which card you want to open: Visa or Mastercard. In fact, given the features of this card, there are practically no differences between these two cards. It is believed that Mastercard cards are more beneficial when paying for services and purchases in Europe, while a Visa card is suitable for use in the USA. However, taking into account the fact that you can use the card only on the territory of Russia, it doesn’t matter which card you choose, especially since the terms of service and use are exactly the same. If you are used to using Mastercard cards, then Mastercard Momentum will be the best choice. If you always use only Visa cards, then issue this particular card.

Credit and debit cards are popular banking products among all categories of customers. Recently, even pensioners are beginning to use the relevant services, since they are also aware of and appreciate all the conveniences, benefits and benefits associated with non-cash payments. Some applicants for card products are afraid of the difficulties associated with the procedure for issuing them, which is especially noticeable when approving credit cards. It is for such cases that banks develop special offers in the form of depersonalized cards that are issued instantly.

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Visa and MasterCard Momentum cards from Sberbank of Russia are:

• up to 150 thousand rubles
• Loan interest: 18.9%
• Issuance on the same day
• Free service

One of the most popular offers in this segment is Sberbank's Momentum instant card with a set credit limit. It allows not only to receive a certain amount of money for permanent use, but also to instantly acquire all the opportunities for making cashless payments, accumulating bonuses, participating in affiliate programs.

How to get an instant Sberbank card?

The Sberbank Momentum card is provided to potential holders in two possible ways:

1. when applying in person to - this option implies the need to provide a completed application, passport, as well as compliance with the requirements for holders of card products;
2. at the initiative of a credit institution - in this case, it is enough to present a passport and a personal offer, but to receive the latter, you must have the status of an existing client of Sberbank.

Poll: Are you satisfied with the quality of services provided by Sberbank in general?

YesNot

Under what conditions is the card product provided?

It should be noted that the Sberbank instant card provides for quite favorable conditions for use, since in terms of its capabilities it is practically not inferior to personalized counterparts. Among the most significant parameters for the holder, it is necessary to highlight:

• completely free issue, annual maintenance of the card product, as a result of which its owner can save significantly;
• the possibility of establishing a credit limit, the maximum amount of which is up to one hundred and fifty thousand rubles, is determined depending on the applicant's income level;
• establishing an interest-free period during which the use of the bank's money is completely free (the length of this period is standard for all products of this lender and can be up to 50 days);
• the low interest rate for using the credit limit outside the grace period, which is 18.9 percent, is fixed.

Some holders single out a short term for which it is issued as a negative parameter of this card product. Indeed, the period of use of a Sberbank instant card is only one year, but this disadvantage is compensated by the simplicity of receiving it, since these operations require a single visit to the lender's office.

Who can be a Sberbank instant card holder?

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

How can I use THANKS bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".

How can I find out my card details?

To find out the details, in the Sberbank Online mobile application, find the required card and click "Show details".

Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Card information" → "Details of transfer to the card account."

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.

The demand for bank cards is growing every year. The procedure for their registration and receipt at Sberbank takes a certain time. However, not all customers have the opportunity to wait two weeks. It is for such cases that the Sberbank Momentum debit card is intended, which can be obtained within 10-15 minutes after filling out the questionnaire at the service office.

Who can get

• age - from 14 years;
• the presence of a Russian passport;
• temporary or permanent registration in one of the regions of the Russian Federation.

At the same time, Momentum does not provide for the issuance of additional plastic cards linked to the current account of the main payment instrument.

Extradition procedure

In order to receive a Momentum debit card from Sberbank, you must present a passport and fill out a questionnaire. After completing the documentation, an employee of the service office will open a current account for you, link a Momentum card to it and issue an envelope with a PIN code. On the front side of the payment instrument, you will not see your first and last name, because you will receive a pre-prepared universal plastic, the number of which will be assigned to you in the future.

Only the client in whose name it is registered can receive an instant Sberbank card. The card is not anonymous and has all the functions of a full-fledged payment instrument. It cannot be issued in the name of a third party or used as a gift. It is also not prepaid, and the account can be replenished with any amount, at the discretion of the user.

Can I order online

The ability to order a Sberbank Momentum card via the Internet is not provided, since it is not issued for any specific person. Such payment instruments are universal and are intended for issuance at the first request of the client. The main advantage of instant bank cards is the speed of registration, and in all other respects they perform the same functions as their nominal counterparts. Since you cannot apply for a Momentum card online, the only way to get it is to visit a Sberbank branch.

Scope of use

We figured out what the Momentum card is, now let's look at the areas of its application. Instant Series payment instruments can be used for cashless payments in both retail and online stores without any restrictions, as well as for cash withdrawals at all ATMs. Their owners also have access to:

• mobile banking service;
• use of a personal account "Sberbank Online";
• Apple Pay, Samsung Pay and Android Pay contactless payments;
• participation in the bonus program "Thank you";
• the ability to link to electronic wallets;
• payments outside of Russia.

Tariffs and limits on debit transactions

From the point of view of issuance and service, the use of Momentum payment instruments is more profitable than their nominal counterparts. Consider the benefits in the table.

Transfer restrictions

Using the self-service services of Sberbank, the user can transfer funds from his card to the accounts of organizations as payment for services rendered or goods delivered, as well as in favor of third parties. Restrictions in this case will depend not only on the recipient of the transfer, but also on the method of conducting the transaction - through the Mobile Bank, personal account of Sberbank Online or on the website of the payee.

Commission fees

The amount of commission fees at Sberbank also depends on the method of transferring funds - through the bank's cash desk, remote service services or ATMs. In the first case, the commission will be maximum, since the work of the cashier must be paid, and in the second and third, its size will be significantly lower for the reason that this is already self-service and, accordingly, the cost of the operation should be lower.

Some features of Momentum payment instruments

There will be no problems when using instant issuance bank cards in Russia. However, if you are going on vacation or business trip abroad, please note that you cannot use Momentum to book hotels or rent cars. In such cases, a personal bank card is usually required.

Payment problems can also arise when you are required to show proof of identity when paying. This procedure for identifying the payer is practiced in hotels, car dealerships, restaurants and some stores.

Other Sberbank cards

Instant bank cards have only standard features and do not have a credit limit. For additional benefits, privileges and empowerment when making various transactions, you should pay attention to personalized debit or credit cards. You can apply for them online.

Sberbank about bank cards: Video